saying i owe money to pay today ASAP 208-0007 this number shows up on my phone
thank you so much for posting this. i think you helped alot of us out and put our minds at ease.
i also got a call from the same number 206-424-8655 at my work from a man supposedly named marcus ray, he said i took out a payday loan from cash net , which is not true, and said its was fraudulent and that i was being investigated for fraud, this man had a very heavy middle eastern accent. he stated he worked for the department of law and investigation, he told my the last four of my social but i told him that was not my number, he then stated that if i was lying i could be arrested for with holding information of and investigation, i told him to tell me the whole social security number, thats when i got scared, i told him i never took out a payday loan, he then told me my email address, where i banked at also. so i told him i wanted his number and his name so i could have my cousin who really is an attorney, to call him back and i also told him i was calling the police department because something wasnt right, he said ok i will be waiting for his call, at that point i was very shaken up and worried that someone has stolen my idenity and is doing fraudulant things and that i would go to jail for it. well thank god for the lady i work for who used to be a police officer. i told her about it and she took the number, hooked up a phone to a fax machine line to call them back on, she asked for marcus ray they put him on the line and she told him she was the security officer of investigations at the place i work and that i wasnt allowed to recieve personal calls at work and she needed some info to investigate so he told her he worked for the department of law and investigations out of seattle washington and that he worked for the fbi,so she asked for his badge number he said 0033 and she said ok whats the address there, he said she didnt need the address, she then said sir yes i do need the address so i can investigate this matter further, he refused so she then asked to speak to his suppervisor, so he told her he was the senior supervisor, so she then stated well i want to know why you wont give me your address im trying to do an investigation i want to know who do you report to? he then got really nasty and said to her (ill keep it clean but you can figure it out) " I F**K THE FBI" so she then acted like she didnt hear him and said im sorry what was that? and he then screamed it at her again and hung up on her. she then told me i dont think he will be calling here again. she was great. please if this has happened to you DO NOT FALL FOR IT ITS A SCAM. i really worry about the elderly people. please make sure to tell people about this.
I got a call from these scammers today telling me that I had a check that bounced to a payday loan place for 300.00 dololars and if I didn't pay them 1000.00 to them today I and two of my refereces's would be arrested by the en of the day. I googled their number and found out they have been trying to scam a lot of people this way. DON'T FALL FOR ANY OF IT!!!!!!!!!!!!!!
I have the same lady calling my cell and my job constantly. All she says is the last 4 digits of my social.
I received a call today from this number, they left a voicemail stating that there were severe criminal allegations about a former coworker of mine, and that they were forwarding the information to the courthouse tomorrow. Because I was listed as a reference to the loan, I was "equally involved and responsible". They left a number (206-424-8655) for me to call back to speak to "Dan Brown".
I called back, the same person that left me the message answered the call, as "Dan Brown".
He asked for my phone number, which I gave him and asked if I was "xxx xxxxx", I said that was no longer my last name, but wouldn't give him my correct info.
He told me to hold on and I said no, I will not, you called me and accused me of criminal activity, you will not put me on hold, you will listen to me.
He tried to tell me that it wasn't him, it was one of his 'junior associates' who left the message.
He told me that the person I used to work with sent them a loan document with my signature (which is a lie, I wouldn't cosign for my own mother, why would I cosign for a former coworker?!), I asked him to fax them to me. He said he would not.
I told him that the next phone call he gets will be from my sister who is an attorney, he proceeded to tell me that "tomorrow morning the officers are coming to arrest me" and he hung up.
I'm sure someone who is less educated on the scams out there would have called back already to try to resolve the 'issue' with the defaulted loan, and that's worrisome.
Beware and be warned.
A woman the other day left a voice mail she (name: Amanda cullen) had a middle eastern accent and said that i had 3 criminal allegations against me and I or my laywer should call her she said my personal well being is gona be harmed and i can face jail i didnt responed because I just got a call like that a few weeks ago from some guy middle eastern accent saying almost the same thing. I egnor these call u shold too if you get them as well its all a scam.
I asked them if they knew my SSN and the hung up
They said that I was laundering Money and Its against the Law and That I would have to go too court and get a lawyer. Is it a scam?
For at least the last four years, possibly longer, a group has been calling former payday loan applicants advising them that they have defrauded a bank and are now being sued for non-payment of a loan. The callers will claim to be calling on behalf of an attorney's office (name varies), the Dept. of Law and Investigation, ACS, or other similar combinations below:
United Legal Processing Division
Crime Monitoring Services
Monetary Crime Division
U.S. National Bank
Attorney General?s Office (usually in California)
American Legal Services
Affidavit Consolidation Services (ACS)
You will be threatened with arrest, a costly trial and possibly worse. In no shape, way or form can you be arrested for non-payment on a consumer debt. Do not believe these threats, as they are without merit and cannot be carried out in the manner they allege.
Who are they?
In the past when pressed by law enforcement for an address, the callers have provided the following information:
David Morgan and Associates
Morgan & Associates
1155 Northwest 85th Street
Wintergarden, Florida 33150
(Address is likely invalid)
The collector's MO matches a once legit collections agency called Ellis Crosby & Associates. Here are some links on them:
They have been previously fined over $1.3 million for various violations. They have been known to use phone banks in India to make their calls, which more or less coincides with the difficult to understand accent many of us detect when we are contacted.
The last time this group went by any "official" name was back in 2008:
Ellis Crosby & Associates / Douglas & Morgan Associates
4494 Southside Boulevard Suite #200
Jacksonville Florida 32216
Phone: 800-928-3536 / (904) 928-3536
(Address is likely invalid)
There are NUMEROUS consumer alerts out against this group of individuals:
On July 15th, 2010 a Public Awareness Bulletin was sent out by Missouri Information Analysis Center.
"..received reports from individuals in Ohio and Illinois reference suspicious telephone calls they received. In both instances, the callers are reporting that a voicemail is received from a man, with a Middle Eastern accent, identifying himself as an officer working with the Financial Crimes Unit. The message indicates that the reason for the call concerns a loan made by the receiver or someone in the receiver's family. The voicemail requests that a return call be made and a telephone number is provided. When a return call is made, the caller is asked to provide personal identifying information such as their date of birth and social security number.
Reports indicate that the calls are frequent and persistent and that they even threaten arrest or legal action if information or money is not provided. It appears that the individuals making these calls may have access to some records connecting individuals and their relatives. Missouri does not have a Financial Crimes Unit and all indications are that this is a fictitious agency. If you receive a similar phone call, please be advised that it is a scam and please contact your local law enforcement agency or the Missouri Information Analysis Center at 866-362-6422."
Do not supply the callers with any additional information. Inform them you have reported them to law enforcement and hang up. If you haven't already, go ahead and report the calls to local law enforcement, your state's Attorney General and beyond. Look up the local Secret Service branch's information in your area and get in contact with an agent there.
If you ever applied for a cash advance online, your information is out there.
Possible sources for the breach of your privacy are:
* The scammers obtained your information from Teletrack - a reporting agency used by many cash advance lenders to determine their risk lending to you. The service is able to tell cash advance lenders if you have existing loans with other companies, for example. Many state laws prohibit borrowers from having more than two cash advances out at the same time.
* The scammers created their own fake payday loan application site. People looking for a cash advance went to the site and applied, thus freely providing the scammers with their information for malicious use at a later time.
* The scammers were able to get into the database(s) of cash advance lenders - probable targets being Sonic Payday and Cashnet USA.
How to protect yourself:
* Inform your employer. You are likely getting calls at home and/or at work, so make sure your employer is aware the calls are part of a scam and to not take them seriously. Advise the callers that they are no longer allowed to call you at work. If they continue to call, document the date and time of the calls you received. Save voice mails left if at all possible.
* Change your number(s). For some this may not be an option, for others a one-time number change can be done free of charge.
Be advised - any references you listed on your payday loan application will be contacted. Let those people know that this is a scam, and they can disregard.
* Use Google Voice. Google Voice is a great replacement voice mail system for just about any phone number you use. Messages can be transcribed and voice mail recordings can be saved as mp3 files.
Pro Tip - call the scammers with a Google Voice number before turning off your old phone numbers. Make sure when you call you identify yourself so they can start up their script. At any point after they have your information pulled up just hang up. They will then start religiously calling your Google Voice number. At this point, you are free to change your regular phone number(s) and enjoy not having these people ever call you again. (And laugh at the fact these people are basically talking to a brick wall several times a day)
The scammers change their numbers frequently. Law enforcement used to think it was because the callers ran out of minutes on their prepaid wireless accounts or they were shuttered due to fraud, but now they understand it's simply to evade detection by savvy consumers online. With the proliferation of VoIP, it's even easier for the crooks to stay a couple of steps ahead of law enforcement. Below is just a sampling of the 30+ numbers that have been used in recent memory.
It's not a simple yes or no answer. Logic dictates that, if they really wanted to take you for a ride and drain your bank accounts, they already would have.
So, why haven't they?
Why do you think you are being called so much? Perhaps it is because they like the sound of your voice? No, they have to have your authorization to take any form of payment from you, period. The callers know their audience, and that audience is typically a bunch of people that have applied for payday loans in the past. Most of those people they call couldn't afford an attorney if they wanted one, and are so used to receiving collections calls that so long as they sound like a real collector, they will likely be perceived as one.
Furthermore, they don't even really want to talk to your attorney - that just sounds official and scary enough. A real attorney would take the callers to task and write them off as two-bit con artists. The callers need you, in writing, to authorize payment against the fictitious debt they claim you owe. Go ahead, ask them for proof you owe the debt - more commonly known as verification of debt. See what they say. A phone authorization carries very little weight, so if they have something signed by you on file, you are done for - and the callers know that. That authorization is the only thing these callers are doing by the book, and for good reason. If they just went all willy nilly and made an ACH debit from your checking account, without your written approval, you could in turn report the transaction as fraudulent to your financial institution. In about 7-10 business days, you would get the funds returned to your account. Then the scammers would be up against a bank and their team of lawyers and investigators.
If you haven't paid the callers a dime, don't. If you planned on paying them to shut them up, just don't. Remember - you are not being contacted by a legally licensed, ethically owned and operated collector. Read up on the FDCPA - http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf - and know your rights.
This is the same scam going around about payday loans. Nothing to worry about, other than the fact they have your personal information.
The number calls us at home but never leaves a voice mail.